Systems and Methods for Assessing Account Issuer Performance Relative to One or More Metrics

Abstract

Systems and methods are provided for assessing account issuer performance relative to one or more metrics. One exemplary method includes identifying a set of peer issuers for a target issuer based on at least one characteristic of the target issuer, determining an aggregate value of at least one metric for the identified set of peer issuers, and comparing the aggregate value to a value of the at least one metric for the target issuer of the at least one metric for the target issuer. The method further includes assigning an indicator to the target issuer, for the at least one metric, based on the comparison and transmitting the indicator to the target issuer, thereby responding to the request and permitting the target issuer to assess a performance of the target issuer relative to the identified set of peer issuers.

What is claimed is: 
     
         1 . A computer-implemented method for use in permitting assessments among different payment account issuers, the method comprising:
 in response to a request for assessment, identifying, by a computing device, a set of peer issuers for a target issuer, based on at least one characteristic of the target issuer;   determining, by the computing device, an aggregate value of at least one metric for the identified set of peer issuers;   comparing, by the computing device, the aggregate value of the at least one metric for the identified set of peer issuers to a value of the at least one metric for the target issuer;   assigning, by the computing device, an indicator to the target issuer, for the at least one metric, based on the comparison of the aggregate value and the value for the target issuer; and   transmitting the indicator to the target issuer, thereby responding to the request and permitting the target issuer to assess a performance of the target issuer relative to the identified set of peer issuers for the at least one metric.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein the at least one characteristic includes a class of the target issuer, a product type offered by the target issuer, and/or a size of a portfolio associated with the target issuer. 
     
     
         3 . The computer-implemented method of  claim 1 , wherein determining the aggregate value of the at least one aggregate metric includes determining an aggregate value for each of multiple metrics for the identified set of peer issuers; and
 wherein comparing the aggregate value to the value for the target issuer includes, for each of the multiple metrics, includes comparing the aggregate value to a value of the metric for the target issuer.   
     
     
         4 . The computer-implemented method of  claim 3 , wherein the multiple metrics include at least two of: a spend per active account, a cross-border active accounts, a spend per merchant category code (MCC), and an authorization rate. 
     
     
         5 . The computer-implemented method of  claim 1 , wherein determining the aggregate value for the at least one metric includes averaging a value of the at least one metric for each of the peer issuers in the identified set. 
     
     
         6 . The computer-implemented method of  claim 5 , wherein assigning the indicator includes assigning the indicator when the value for the target issuer deviates from the aggregate value for the at least one metric by more than a threshold. 
     
     
         7 . The computer-implemented method of  claim 1 , wherein assigning the indicator includes assigning a first indicator when the value for the target issuer deviates from the aggregate value for the at least one metric by more than a threshold and assigning a second indicator when the value for the target issuer is within the threshold of the aggregate value for the at least one metric. 
     
     
         8 . The computer-implemented method of  claim 1 , further comprising identifying at least one recommendation based on at least one of: the assigned indicator and the comparison of the value for the target issuer and the aggregate value. 
     
     
         9 . The computer-implemented method of  claim 8 , wherein transmitting the indicator to the target issuer further includes transmitting the at least one recommendation to the target issuer. 
     
     
         10 . A system for use in assessing payment account issuers, the system comprising:
 a memory comprising a data structure having transaction data for multiple payment account issuers, and a recommendation table associated with multiple different issuer recommendations; and   a processor in communication with the memory, the processor configured to:
 receive a request from a target issuer for assessment of the target issuer; 
 filter the multiple payment account issuers in the data structure based on at least one characteristic of the target issuer to thereby identify a set of peer issuers for the target issuer; 
 determine an aggregate value of at least one metric for the identified set of peer issuers; 
 assign at least one indicator to the target issuer for the at least one metric based on a comparison of a value of the at least one metric for the target issuer to the aggregate value; and 
 transmit the assigned at least one indicator to the target issuer, thereby responding to the request and permitting the target issuer to assess a performance of the target issuer relative to the identified set of peer issuers for the at least one metric. 
   
     
     
         11 . The system of  claim 10 , wherein the at least one indicator includes a first indicator and a second indicator; and
 wherein the processor is configured, in connection with assigning the at least one indicator to the target issuer, to:
 assign the first indicator to the target issuer for the at least one metric when the comparison of the value of the at least one metric for the target issuer to the aggregate value is within a defined threshold; and 
 assign the second indicator to the target issuer for the at least one metric when the comparison of the value of the at least one metric for the target issuer to the aggregate value deviates from the defined threshold. 
   
     
     
         12 . The system of  claim 11 , wherein the defined threshold is a first defined threshold; and
 wherein the processor is configured, in connection with assigning the at least one indicator to the target issuer, to further assign a third indicator to the target issuer for the at least one metric when the comparison of the value of the at least one metric for the target issuer to the aggregate value deviates from the first defined threshold but is within a second defined threshold.   
     
     
         13 . The system of  claim 10 , wherein the processor is configured, in connection with determining the aggregate value of the at least one metric, to determine an aggregate value for each of multiple metrics for the identified set of peer issuers; and
 wherein, for each of the multiple metrics, the processor is configured, in connection with assigning the at least one indicator, to:
 assign a first indicator to the target issuer for the metric when a comparison of a value of the metric for the target issuer to the corresponding aggregate value for the metric is within a defined threshold for the metric; and 
 assign a second indicator to the target issuer for the metrics when the comparison of the value of the metric for the target issuer to the aggregate value deviates from the defined threshold for the metric. 
   
     
     
         14 . The system of  claim 10 , wherein the processor is further configured to compare the aggregate value of the at least one metric for the identified set of peer issuers to the value of the at least one metric for the target issuer. 
     
     
         15 . The system of  claim 14 , wherein the at least one characteristic includes a class of the target issuer, a product type offered by the target issuer, and/or a size of a portfolio associated with the target issuer; and
 wherein the at least one metrics includes at least two of: a spend per active account, a cross-border active accounts, a spend per merchant category code (MCC), and an authorization rate.   
     
     
         16 . The system of  claim 10 , wherein the processor is configured to cause at least one interface to display at a computing device associated with the target issuer;
 wherein the processor is configured, in connection with receiving the request from a target issuer for the assessment of the target issuer, to receive the request via the at least one interface; and   wherein the processor is configured, in connection with transmitting the assigned at least one indicator to the target issuer, to transmit the assigned at least one indicator to the target issuer via the at least one interface.   
     
     
         17 . The system of  claim 10 , wherein the processor is further configured to identify at least one of the issuer recommendations in the memory based on at least one of: the assigned at least one indicator and the comparison of the value of the at least one metric for the target issuer to the aggregate value. 
     
     
         18 . The system of  claim 17 , wherein the processor is configured, in connection with transmitting the at least one indicator to the target issuer, to transmit the at least one recommendation to the target issuer. 
     
     
         19 . A non-transitory computer-readable storage media including executable instructions for assessing payment account issuers, which, when executed by a processor, cause the processor to:
 receive a request for assessment from a target merchant via a network-based application;   identify a set of peer issuers for the target issuer, based on at least one characteristic of the target issuer;   determine an aggregate value of at least one metric for the identified set of peer issuers;   compare the aggregate value of the at least one metric for the identified set of peer issuers to a value of the at least one metric for the target issuer;   assign an indicator to the target issuer, for the at least one metric, based on the comparison of the aggregate value and the value for the target issuer; and   transmit the indicator to the target issuer via the network-based application, thereby responding to the request and permitting the target issuer to assess a performance of the target issuer relative to the identified set of peer issuers for the at least one metric.   
     
     
         20 . The non-transitory computer-readable storage media of  claim 19 , wherein the executable instructions, when executed by the processor, further cause the processor to identify at least one recommendation in a data structure associated with the processor based on at least one of: the assigned indicator and the comparison of the value of the at least one metric for the target issuer to the aggregate value; and
 wherein the executable instructions, when executed by the processor, further cause the processor, in connection with transmitting the indicator to the target issuer, to transmit the at least one recommendation to the target issuer via the network-based application.